# Criptoruta — Verified ES Crypto Exchange Fee, Spread & TCO Schedule (€)

- **Canonical Domain**: https://criptoruta.com/
- **Jurisdiction & Regulator**: ES (CNMV & Banco de España (MiCA))
- **Statutory Tax Framework**: IRPF Base del Ahorro (19%–30%) & Modelo 721
- **Settlement Currency**: €
- **Last Audited**: 2026-11-07 by Dr. Alejandro Navarro, CFA & Dra. Elena Morales, Inspectora Fiscal Excedente

## 1. Execution Method Cost Comparison (€)

| Execution Path | Maker Fee | Taker Fee | FX / Spread Cost | Total Round-Trip TCO |
| :--- | :--- | :--- | :--- | :--- |
| **L2 Spot Limit Order (Local Bank Rails)** | 0.08% – 0.16% | 0.10% – 0.26% | 0.01% – 0.08% | **0.18% – 0.45%** |
| **Instant Card / Apple Pay Widget** | N/A | 1.49% – 2.99% | 1.00% – 2.20% | **2.49% – 5.19%** |
| **Retail Fintech / Neobank In-App Tab** | N/A | 1.49% – 2.50% | 0.80% – 1.50% | **2.29% – 4.00%** |

## 2. Interactive Tools & Templates

- Live Net-After-Tax Converter: https://criptoruta.com/convert/
- Regulated Exchange Alternatives: https://criptoruta.com/alternatives/
- Investor Persona Routing Matrix: https://criptoruta.com/personas/
- Free Statutory Tax CSV & Bank AML Letter Templates: https://criptoruta.com/templates/